In the GameplaySettings.cfg this is what I have set:
[RealismPercentage]
LimitedBatteriesRealismPercentage=25
LimitedCompressedAirRealismPercentage=25
LimitedO2RealismPercentage=25
LimitedFuelRealismPercentage=25
RealisticVulnerabilityRealismPercentage=0
RealisticRepairTimeRealismPercentage=0
RealisticShipSinkingTimeRealismPercentage=0
ManualTargetingSystemRealismPercentage=0
NoMapUpdateRealismPercentage=0
RealisticSensorsRealismPercentage=0
DudTorpedoesRealismPercentage=0
RealisticReloadRealismPercentage=0
NoEventCameraRealismPercentage=0
NoExternalViewRealismPercentage=0
NoStabilizeViewRealismPercentage=0
NoNoiseMeterRealismPercentage=0
NoWeaponOfficerAssistRealismPercentage=0
[MiscSettings]
AlwaysAutotargeting=1,1,0,0,0;for warships, merchants, uboats, air and land targets
In the following, main.cfg, I have this settings:
[TIME COMPRESSION]
TimeStop=0
RealTime=1
LandProximity=8
CriticalDamage=1
CrewEfficiency=1
AirEnemyDetected=1
SoundEffects=64
CharacterAnim=64
EnemyDetected=1
RadioReport=1
Particles=64
PrayState=64
HunterState=64
3DRender=64
Maximum=256
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Feel free to borrow these settings, if you chose to want to...
M. M.
post edit:Though I only have 4 (evenly accounted for at 25% each... 
) I still select 100% realism, & have it set to where I can have the 2WO or Weapons Officer, to run an ID on the ships while I view targets. & have it set to where the crew runs the TDC, freeing Me, the Kaleun up, to pick targets, decide what depth to run the torps, what speed & when to launch torps... & generally keep a lookout for danger...